Ukuba ufuna iinkonzo zonyango ezingenakutyhulwa yinshurensi yakho okanye ukuba umboneleli wakho we-inshorensi akafihla iindleko ezipheleleyo, umniki-nkonzo wakho weenkonzo zonyango unokufaka i-card credit card njengesisombululo. Amakhadi ezitalato zonyango angasetyenziselwa ukugubungela iLazik okanye ezinye iinkqubo zembono, utyando lwezonyango, umsebenzi wamazinyo, iinkonzo zonyango, okanye ezinye iinkqubo ezibiza imali ongenakukukhupha ngaphandle kwepokothini.
Ngaphambi kokuba unqume ukusebenzisa ikhadi lekhredithi yezonyango ngeendleko zakho, nantsi yonke into ofuna ukuyiqwalasela.
Amakhadi ezitalato zonyango asebenzisekileyo
Amakhadi enkredithi yonyango ayikho makhadi amakhredithi amakhulu, afana namakhadi ekweretheni eneVisa okanye i-MasterCard logo. Zingancinci ukusebenzisa amakhadi ekwereti, afana namakhadi ekweretroniki . Oku kuthetha ukuba la makhadi angasetyenziselwa ukujonga iinkonzo zonyango kwaye kuphela xa umniki-nkonzo evuma indlela yokuhlawula ethile. Amanye amakhadi ekhredithi yonyango angasetyenziselwa kuphela iintlobo zeenkonzo. Qinisekisa ukuba ikariti oyifakayo ingasetyenziselwa inkonzo oyifumanayo.
Ngeke ukwazi ukusebenzisa ikhadi lakho lesikweletu ngamanye ukuthenga. Kubantu abathile, lo msebenzi olinganiselwe udala isilingo sokuhlawula iinkonzo zonyango ezingenasidingo njengoko ziyazi ukuba ikariti yekhredithi yonyango iya kunika ithuba lokuhlawula ixesha elide.
Amakhadi ezitalato zonyango axhaphaze i-Credit yakho
Ngenxa yokuba bangumkhiqizo wemboleko, amakhadi enkredithi yezokwelapha afuna ukuhlolwa kwekhredithi.
Uya kufuneka wenze isicelo, njengaye naziphi na ezinye iikhadi lekhredithi kwaye unokuphikiswa ukuba awuhlangabezani neziqinisekiso zemboleko. Ukuba uvunyiwe, iinkcukacha ze-akhawunti yakho ziza kuxelwa kwi- ofisi yamaziko e-credit , kufakwe kwi-credit report yakho, kwaye iya kubala kumlinganiselo wakho wekredithi. Ukuhlawula ixesha kubalulekile ukuqinisekisa ukuba i-credit yakho ayichaphazeli.
Amanye amakhadi ekhredithi yezokwelapha afuna ukuba ubuyisele i-balance ngaphakathi kwexesha elithile, kunokuba uvumele ukuba wenze iincinci ezincinci kwiintlawulo zakho. Imirhumo yokuhlawula imfutshane imfutshane, ukususela kwiinyanga ezi-6 ukuya kwezi-36. Nangona kunjalo, amanye amakhadi ekhredithi yezokwelapha anikezela ixesha lokuhlawula ixesha elingangeenyanga ezingama-60 kwiinkqubo ezibiza ngexabiso.
Amakhadi ezitalato zonyango anomdla, angabi yi nyaniso 0% inzala
Amanqaku amaninzi ekrejethi yezokwelapha anomdla woku-0% wexesha lokuqala , kodwa kubambene nale nkonzo. Ukunyuswa empeleni kwintsebenziswano-nentshisekelo echasiweyo, eyahluke kakhulu kwi-introductions ye-0% oyibonayo namanye amakhadi amakhulu ekwereta.
Ngophakanyiso oluthile lomdla, kufuneka uhlawule ibhalansi epheleleyo ngaphambi kokuba ixesha lokuphromotha liphelelwe ukufumana inzuzo ye-0%. Ngaphandle koko, ukuba nayiphina ibhalansi ihlala emva kwexesha lokukhushulwa, i-akhawunti yakho iya kutshatyalaliswa nentshisekelo yokuhlaziywa ukusuka ekuqaleni kokuthengiselana. Ngokuxhomekeke kwibhalansi kunye nenani lentengo, ibhalansi yakho inokuphelisa amakhulu amakhulu eedola.
Ukuhlawulwa kwexesha elifutshane kunokuthi kube nzima - ukuba ulahlekelwa yintlawulo enye kuphela, awuyi kungena kuphela umrhumo wokuhlawula kodwa ulahlekelwa yintlawulo yenzuzo yokuphromotha; umdla uya kukhaba ngokukhawuleza.
Inzala ekhethiweyo ayikho into embi ye-intsebenziswano, ngokungakhathaliseki ukuba uyayiqonda into yokuba uyayisayina kwaye unako ukuhlawulela ibhalansi ngaphambi kokuphela kwexesha elingenamdla. Nangona kunjalo, akusoloko kunjalo.
Ngo-2013, iBhunga loKhuseleko lwezeMali laBathengi lifuna i-GECapital ukubuyiselwa kwi-$ 34.1 yezigidi zeentlawulo zenzalo kubaxhasi abangakhange banikwe inkcazo efanelekileyo yemigqaliselo yenzalo echasiweyo. (I-GECapital ishintshile igama layo ibe yi-Synchrony Financial.)
Yenza izibalo ngaphambi kokuba uvumelane nokukhuthazwa kwentlalo emiselweyo. Hlukanisa ixabiso leenkonzo zakho ngenani leenyanga kwixesha lophromotha kwaye ubonisane nohlahlo lwabiwo-mali ukuba unqume ukuba ngaba unokukwazi ukukwenza ezi ntlawulo. Ukuba kuthe tye ukuba wenze iintlawulo, kunokufumana ithuba elihle lokuba awukwazi ukuhlawula ibhalansi ngaphambi kokuba ixesha elichaziweyo liphelile.
Amakhadi ezitalato zonyango angenza iRhafu yeMali
Ityala lezonyango linjalo ingxaki eUnited States ukuba ikhankanyiwe njengenombolo enye yebhanki-kwaye leyo yimihla yonyango ehlawulwa ngqo kwizigulane. Ukubeka iinkonzo zezokwelapha kwikhadi lekhredithi kunokukwenza unetyala ngakumbi.
Ingxaki eqhelekileyo kunye namakhadi ekhredithi yezokwelapha kukuba bayakhuthazwa ngabasebenzi bezonyango abangenasoloko beqaphela ngokupheleleyo imiqathango nemeko yamakhadi-mboleko. Ngokuqhelekileyo, izigulane zishiywe ngaphandle kweendleko iinkcukacha ezifunekayo ukwenza isinqumo esinolwazi.
Kwaye ekubeni abasebenzi bezobugqirha bekhuthaza ikharityhulam ngokukhawuleza, izigulana zingakholelwa ukuba zisayina isicwangciso sokuhlawulwa kwangaphakathi kunye neofisi yezokwelapha kunokuvula iakhawunti entsha yekhadi lesikweletu. Le nto inokubangela ukuba isigulane siphendule eso sipho.
Ababoneleli ngeenkonzo zonyango bahlawulwa kwiintsuku ezimbalwa zentengiselwano, kungakhathaliseki ukuba baye benza iinkonzo okanti okanye cha. Abathengi bahlala bengenakufumana imali xa bekhetha ukufumana iinkonzo.
Ikhadi lokuTyala leeMpilo aliyiyo Yakho yodwa
Cinga ngamakhadi ekhredithi yezokwelapha ngokucophelela njengoko unokwenza enye ikhadi lekhredithi-mhlawumbi i-moreso ekubeni uya kuwusebenzisa ngokukhawuleza. Ukuvavanya nayiphi na imali ekhethekileyo, i-APR rhoqo, iintlawulo, izigwebo zokuhlawulwa kwexesha elide, njl. Kubaluleke kakhulu ukuba ufunde ukuprintwa kakuhle phambi kokuba ubhalisele kwikhadi lekhredithi. Qiniseka ukuba ubuza umboneleli wakho wesevisi kuzo zonke ezi nkcukacha ngaphambi kokuba uvumelane nekhadi lesikweletu. Gqiba ngezinye iinketho ngaphambi kokuba wenze isigqibo sokugqibela.
Ukuba kufuneka ubeke inkqubo yakho yezokwelapha kwiplastiki, akufanele usebenzise ikhadi lekhredithi elinikezelwa ngabasebenzi be-ofisi yezobugcisa. Ungasebenzisa ikhadi lekhredithi osuke unalo xa unelungelo lokuthenga ngetyala . Unokufaka isicelo sekhadi lesikweletu kunye neepesenti zeprogram yokupapasa u-APR ekuthengeni. Ukuba ufanelekile, kuya kuba yintengo yenzuzo yepesenti ye-zero - kuphela ibhalansi esala emva kokuba ixesha lokunyusa liya kuhlawulwa inzala kwisilinganiso esiqhelekileyo.
Unokwazi ukusebenzisa enye ikhadi lekhredithi yezokwelapha, enye inemigaqo engcono. Uya kufuneka uhlolisise ngekhadi lesikweletu kunye nomnikezeli wenkonzo yakho yezokwelapha ukuze ufumane ukuba ngaba olu khetho luya kusebenza.
Unokuphinda ucele umboneleli wakho ngesicwangciso sokuhlawula - nokuba uthetha ukuhlawula kwizitolimende ngaphambili. Unokwazi ukuphepha kwi-equity home yakho okanye kwiimeko zengxaki zonyango, unokwazi ukwenza ukuhoxiswa kwe-penalty free from 401k yakho.
Akukho nto ephosakeleyo ngokungafaniyo ngokusebenzisa ikhadi lekhredithi yezokwelapha ukukunceda ukugubungela iindleko zonyango. Qinisekisa ukuba uyaqonda kwaye uyavuma ukuba ubhalisela ntoni. Ukuhlawula ibhalansi ngokukhawuleza kunokwenzeka ukunciphisa umdla ohlawulayo kunye nokuqinisekisa ukuba uhlawula ngexesha lexesha elinomdla, xa kukho enye.